C & F Financial vs Citizens & Northern
CFFI and CZNC side by side, both in commercial banks. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How CFFI and CZNC compare
Citizens & Northern is the larger company, worth 1.5 times as much as C & F Financial ($504M against $345M).
On earnings, C & F Financial is cheaper: it trades at 11.4× trailing earnings, against 14.2× for Citizens & Northern.
Citizens & Northern grew revenue faster over the last twelve months (33.9% versus 10.4% for C & F Financial).
Citizens & Northern keeps more of each dollar of sales as profit, with a net margin of 23.0% compared with 20.0% at C & F Financial.
Both pay dividends: C & F Financial yields 1.8% and Citizens & Northern 4.1%.
C & F Financial scores higher on the StockData Score (15 against 14 for Citizens & Northern), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | CFFI | CZNC |
|---|---|---|
| Size and price | ||
| Market cap | $345M | $504M |
| Share price | $106.00 | $28.12 |
| Change, 1 year | 51.9% | 44.9% |
| Change, 5 years | 115% | 5.8% |
| Beta (5Y) | 0.44 | 0.42 |
| Employees | 575 | 460 |
| StockData Score | ||
| Total score | 15 (better) | 14 |
| Valuation score | 2 (better) | 1 |
| Growth score | 1 | 2 (better) |
| Performance score | 4 (better) | 2 |
| Health score | 4 | 5 (better) |
| Dividend score | 4 | 4 |
| Valuation | ||
| P/E | 11.4× (better) | 14.2× |
| P/S | 2.3× (better) | 3.3× |
| P/B | 1.3× (better) | 1.5× |
| P/FCF | 8.2× (better) | 9.7× |
| FCF yield | 12.2% (better) | 10.3% |
| Fair value | $92.89 | $24.05 |
| Margin of safety | −14.1% (better) | −16.9% |
| Growth | ||
| Revenue growth (TTM) | 10.4% | 33.9% (better) |
| Revenue growth, 5Y average | 0.39% | 5.9% (better) |
| Net income growth (TTM) | 15.7% | 29.3% (better) |
| EPS growth (TTM) | 15.5% (better) | 12.5% |
| EPS growth, 5Y average | 6.5% | – |
| Profitability | ||
| Net margin | 20.0% | 23.0% (better) |
| FCF margin | 27.9% | 34.0% (better) |
| Return on equity | 11.6% (better) | 11.0% |
| Financial health | ||
| Debt / equity | – | 0.01 |
| Altman Z-score | 0.28 (better) | 0.24 |
| Piotroski F-score | 6 (better) | 5 |
| Dividends and buybacks | ||
| Dividend yield | 1.8% | 4.1% (better) |
| Payout ratio | 20.4% | 52.1% |
| Years of dividend growth | 1 | – |
| Dividend growth, 5Y average | 3.9% | – |
| Buyback yield | 0.44% | – |
| Shareholder yield | 2.2% | 4.1% (better) |
| Ownership | ||
| Held by institutions | 41.6% | 33.3% |
| Held by insiders | 7.0% | 4.9% |
| Insider net buying, 12 months | −$834K | −$6.5K (better) |
| Short interest, % of float | 2.3% | 1.6% |
Go deeper
- CFFI stock overview
- CFFI income statement
- CFFI valuation and score
- CZNC stock overview
- CZNC income statement
- CZNC valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.